Which of the following is typically covered as part of standard health insurance benefits?

• A. Cosmetic procedures
• B. Long-term care
• C. Preventative health services
• D. Experimental treatments

Answer: (C)

Preventive health services are included in standard health insurance because plans aim to keep people healthy and catch issues early, often with no out-of-pocket costs for things like screenings, vaccines, and counseling. Cosmetic procedures are elective and not medically necessary, so they’re typically not covered by standard plans. Long-term care involves ongoing assistance over extended periods and is usually handled by separate long-term care policies rather than regular health insurance. Experimental treatments are not part of standard coverage due to questions about efficacy and established medical necessity, though some plans may cover clinical trials in limited situations.